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• Parents of dependent, undergraduate students can apply for the federal Direct Parent PLUS Loan. If the parent applying for the federal Direct Parent PLUS Loan is denied, the student may be eligible to increase their federal Direct Unsubsidized Loan by completing the student financial aid adjustment form located on .
• Graduate students can apply for the federal Direct Graduate PLUS Loan.
• Students can apply for private alternative loans.
• Students can apply for scholarships (provided the deadlines have not passed).

Please note: Students can only be awarded up to the cost of attendance for each semester.

Please ensure you:

• Have completed all financial aid requirements.
• Are in a degree-seeking program or an eligible certificate program.
• Have completed a Free Application for Federal Student Aid (FAFSA) for the current academic year. All federal aid, some state aid and some University-level aid require a FAFSA for the current year.
• Are enrolled in the required number of credit hours for the offer:
  • Fall and spring
    • Undergraduate
      • Full time: 12+ credit hours
      • 3/4 time: 9-11 credit hours
      • 1/2 time: 6-8 credit hours
      • Less than 1/2 time: 5 or less credit hours
    • Graduate
      • Full time: 6 credit hours
      • 3/4 time: 4-5 credit hours
      • 1/2 time: 3 credit hours
      • Less than 1/2 time: 2 or less credit hours
  • Summer I and II
    • Undergraduate
      • Full time: 6+ credit hours
      • 3/4 time: 4-5 credit hours
      • 1/2 time: 3 credit hours
      • Less than 1/2 time: 2 or less credit hours
    • Graduate
      • Full time: 3 credit hours
      • 1/2 time: 2 credit hours
      • Less than 1/2 time: 1 credit hour

• Are meeting Satisfactory Academic Progress (SAP) as indicated by the policy.
• Are not in default on a federal student loan.

Please visit Bronco Express or contact us at (269) 387-6000 or @email if you are meeting the above guidelines or your reason is not listed here.

• Federal loans can be increased or transferred via the student  on Self-Service. They can only be increased if you have not been offered up to the yearly and overall aggregates (see loan limits) and if you have not been offered up to the cost of attendance.
• Federal Pell Grants, WMU grants and federal Supplemental Educational Opportunity Grants (SEOG) cannot be increased above the offered amounts.
• If your financial aid amounts decreased between now and previous years, you could have reached the limit for certain types of financial aid such as federal loans or the federal Pell Grant. It could also change due to changes in your financial aid and household data on your FAFSA.

Student Financial Aid’s Types of Aid webpage displays some but not all scholarships that are available. Other scholarships may be available through your department or externally.

Please review our Financial Aid Eligibility webpage to review requirements to receive aid.

• Parents of dependent, undergraduate students can apply for the federal Direct Parent PLUS Loan. If the parent applying for the federal Direct Parent PLUS Loan is denied, the student may be eligible to increase their federal Direct Unsubsidized Loan by completing the student financial aid adjustment form located on .
•  Graduate students can apply for the federal Direct Graduate PLUS Loan.
•  Students can apply for private alternative loans.

Once a private loan is certified, all lenders have a right-to-cancel period that must pass before they will send the funds. Please check with your lender to determine when they will send the funds to the school. If the funds are sent electronically, it could take 3-5 business days before we receive and apply them. If the funds are sent via check, it depends on the U.S. postal service as to when they deliver the check. You should allow 7-10 business days for a mailed check to arrive at WMU. If the check requires you to sign for it, we will send you an email notification advising you to come into the financial aid office and sign for it before it is applied to the bill.

Additionally, ensure you are meeting your lender’s terms for the loan. Some lenders require a student to be enrolled at least half time, meet Satisfactory Academic Progress and be in a degree-seeking program; others do not. Guest students receiving private loans should contact Bronco Express if loans are not applied.

You can review your loan history in the National Student Loan Data System (NSLDS) by visiting and logging in with your FSA ID and password. Every federal student loan you have received will be listed on this website in the order they were disbursed.

All federal loans are assigned a loan servicer. You can review their information on NSLDS by clicking the number to the left of each loan and scrolling down. You will contact the servicer with billing inquiries on your loans, including deferment and forbearance requests.

You must get your loan servicer’s deferment form and provide it to the Registrar's Office for completion. Your servicer’s contact information should be included with the form, including their name, phone number and mailing address; a fax number is optional but recommended. If your servicer does not have their own form, you must reach out to the Registrar's Office and request they send verification of your enrollment to your servicer and provide their contact information. Loan deferment forms are not accepted or processed at Bronco Express or Student Financial Aid.